In the United States we have a process called Democracy that companies have found a way around called Lobbyist. The job of the lobbyist is to get the companies they work for interests represented in the government.
The auto insurance lobbyists group have done their job very well. They helped in the states receiving the mandatory auto insurance policy law.
The states then get the task of implementing it. The law has federal guidelines in the beginning. The individual states add more guidelines.
The lobbyist for the auto insurance group on the states level of governments helps in implementing guidelines that they have suggested. Now here is where the problem lies for some states that give a little more freedom to lobbyists